OCR Text |
Show Hilltop Times January 29, 2004 Check contract before signing by Capt. Summer M. Browning Chief, Legal Assistance If you are shopping for a new or used car, you may have the option of purchasing an auto service contract. In fact, auto service contracts are becoming popular as a way to provide consumers with additional means to deal with unforeseen vehicle repair problems. However, before you enter into an auto service contract, it's imperative that you understand the terms of the contract and who is responsible for providing the coverage. According to the Federal Trade Commission, an auto service contract is a promise to perform (or pay for) certain repairs or service. Although auto dealers often refer to an auto service contract as an extended warranty, a service contract is not a warranty as defined by federal law. A service contract always represents a separate additional expense for the buyer. The cost of the service contract depends on the car make, model, condition (new or used) , depth of coverage and length of contract. In contrast, a warranty comes with the new car and is included in the original price. The Feden-- Trade Commission and the Better Business Bureau suggest that consumers consider these questions before entering into an auto service contract. l Does the service contract duplicate any warranty coverage? Compare service contracts with the manufacturer's warranty before you buy. New cars come istrators handle many service contracts sold by deal-- , ers. Administrators act as claims adjusters, authorizing the payment of claims to any dealers under the contract. Learn about the reputation of the dealer and the administrator by contacting the Better Business Bureau. of coverage. Who backs the service contract? It may be the manufacturer, dealer, or an independent company. Independent companies called admin Under the contract, you may have to follow manufacturer's recommendations for routine maintenance. Failure to do so could void the contract. To prove you have maintained the car properly, keep detailed records, including receipts. Additionally, find out if the contract prohibits you from taking the car to an independent station for maintenance or performing the work yourself. The contract may specify that the selling dealer is the only authorized facility for servicing the car. What is the length of the service contract? If the service contract lasts longer than you expect to own the car, find out if it can be transferred when you sell the car, whether there is a fee, or if a shorter n 1:30-2:3- 0 7:30-8:3- 0 Arcade Games he said. But it is not just a good idea to limit their use in "secure rooms" where classified information is being processed, said Peter Bryant, Air Force Materiel Command security forces directorate information security chief. "You should watch how you use and carry those anywhere you're dealing with sensitive or proprietary information," he said. If people see someone using any unauthorized camera without coordinating with base agencies, contact the base security forces squadron, Mr. Bryant said. "It all comes down to being aware," Sergeant Kloepping said. (Courtesy of AFMC News Service) OIL 11 Bret Sorensen, Pediatrics Leland Pack, Orthodontist German Ira aIP V COVENTRYIMORTGAGE Restaurant VA LOANS German Specialties, Steaks, Chicken, Seafood, Pasta and Vegetarian Dinners "The best place for exceptional dining and affordable prices. " OPEN: Tues. - Sat. PMReservations Welcome f COC&3 Latest Technology "have-to-hav- What are your responsibilities? Steve Hibbert, Family in Painless Dentistry Free Exam For Children Under 2 Years Forces Squadron noncommissioned officer in charge of physical security. If someone in a restricted area has one of the phones with a camera capability and a security forces troop discovers it, he or she would be forced to confiscate the camera for review of unlawful images, Sergeant Kloepping said. Additionally, civilian employees could face federal charges and military members could face federal charges and Uniform Code of Military Justice actions, TINKER AIR FORCE BASE, Okla. Carrying the latest (AFPN) electronic gadget may mean big trouble for the person who brings it into unauthorized locations. Officials from the National Security Agency said in an advisory that new cellular phones with integral digital cameras pose an unacceptable security risk to homeland security. This type of phone is not authorized for use or possession within any Air Force facility processing classified information without written authorization from the designated approval authority. "Communications are getting faster and easier," said Jane Guidicini, Air Force Communications Agency certified emission security technical authority. "While that does help speed communications, it can also unfortunately allow classified information to get out of a classified area inadvertently or otherwise. "We realize occasionally the restrictions might seem overly strict when the new technologies come out, but it's better to be overly cautious than to have an incident," Ms. Guidicini said. "It takes just a little common sense to realize that if you have a cell phone with out for absolute exclusions that deny coverage for any reasons. For example, if the contract specifies that only "mechanical breakdowns" will be covered, problems caused by "normal wear and tear" may be excluded. In addition, you may need to pay a deductible each time your car is serviced or repaired. Dale Hibbert, Pediatrics t.,-.y- " Oklahoma City Air Logistics Center Public Affairs What is the coverage of the service contract? Few auto service contracts cover all repairs. Watch 7:30-8:3- 0 a camera, you should leave it home if .you work in a classified area," said Tech. Sgt. Shon Kloepping, 72nd Security by Master Sgt. Darrell Lewis contract is available. Be sure to read and thoroughly understand the agreement and make sure that all verbal promises have been included. Don't sign a contract with blank spaces that could be altered or changed. Once the contract is signed, keep a copy of it for your records. For more information concerning auto service contracts or any other consumer issue, stop by the Legal Office, Bldg. 1279, during walk-i- hours on Tuesday a.m., Wednesday p.m., and Thursa.m. day with a manufacturer's warranty that usually offers coverage for at least one year or 12,000 miles, whichever comes first. Even used cars may come with some type Accepts Military Insurance Camera phones risk homeland security Purchase or Refinance 5-- 10 774"0770 41 2112 N. HILLSIDE RD. 773-677- 7 4387 HARRISON BLVD., OGDEN (Harrison Depot) Across from the DEE EVENTS CENTER 479-756- LAYTON www.bavarian-chaleLco- -- : 1 m SB 466 N. Main 103, Clearfield 2 blocks from Westgate I H (iw)t:iiii3 FREE Lifetime Rock Chip Repairs with Windshield ""x-- s Replacement i FREE Mobile Service I J - InstalktionWhHe ? ! I In-sh- One Coupon Per Vehicle Coupon I Off 3125 Your Insurance ! With j" Deductible J With Am I covered? 6Z7-O01- 8-- i. Sat 6, 9- -6 NORTH OGDEN 7370066 0 ' 1 I Coupon iLJi--J Clearly the Best" Open Mon.-FrOGDEN I Windshield Rock Chip Repair anytime You Wait We Will Meet or Beat any Advertised Price FREE LAYTON 479-O06- SSBBo mTEE brighamcity C435J 723-559- 9 200 So. Main 6 HAFB Westgate, exit 338 You could be for as little as $5 a month. CHEK LINE INC. most cases neither the government nor your landlord will cover the loss of your belongings. USAA Renters Insurance will for as little as $5 a month. In tVloney in Days replacement cost for your belongings, not a depreciated amount. Higher limits available at an additional cost. Up to $1,000 against check forgery or unauthorized use of your ATM or credit cards. Lock replacement if the keys to your home are stolen, up to $250. r Full Call for a personalized ueauctea MbbV .V Bl fMBBB Fees Can Be Your Return ejt t-r- om About Our Refund Anticipation Loan Progr, ELECTRONIC mAX FILING I WdirecTTL We pay your next paycheck TODAY! Post-date- d quote. OGDEN 622-89- 1 1 check loans 0 2070 Harrison Blvd. Sfj USAA INSURANCE BANKING INVESTMENTS 1596 North Hill Field MEMBER SERVICES (Laytea Hills means United Services Automobile Association and its subsidiaries and affiliates. Renters Insurance is provided by United Services Automobile Association and USAA Casualty Insurance Company. The descriptions of coverages are necessarily brief and subject to provisions and exclusions that can only be exactly expressed in the policy contracts. Applicants for USAA property and casualty insurance must meet group membership eligibility requirements before purchasing for the first time. All applicants for 2003 USAA. All rights reserved. A3075 1203 property and casualty insurance are subiect to underwriting. Some restrictions apply. USAA : , : 35ttl Center) (MW Corner 010 LAYTON 728-080- 0 Rd.H Bliew Parti) 973-040- 4 3460 S. Redwood Rd. Canyon Plaza Shopping Center, Mart to Alkortson's We know what it means to serve.9 WEST VALLEY PHONE SALT LAKE CITY 272-690- 0 3950 S. Highland Dr. Plaza (Corner Shonplna Center) The Thrift Shop Heeds Tour Reusable Items. Call 888-108- 6 to Donate. : i |